That expression 'if it seems too good to be true...' applies even more to the net. Many of these scams don't even give you cash! They are no more than coupon clearinghouses that also make money by reselling e-mails addresses of their members.

For instance, you might sign up for a site that reads: 'Get $50 for FREE!!!' Once you've signed up, you realize the $50 is actually $20 off a television, one month free long distance (when you sign up for a new plan) and maybe a 'free application' for a home loan! Plus your spam triples.